(1)
Ļ¯ೇಷ ªಾಜÍ ಪĦÎೆ
ಸൽೕಯ ವವರಗำ ಮൡ౨ ๎ಸನ ರಚච ಸ฿ಲಯ
ಅඌಚච
ಒ: ವ๎ಇ 03 ๎ಸನ 2025, ಂಗิฆ, ൽකಂಕ: 25.03.2025
ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ)
เඒಯಕ, 2025 ಇದಃౙ 2025 ರ ೖბ ൟಂಗಳ 24ඡ ൽකಂಕඈൿ ฃಜඩಲರ ಒඪ౭ಡ
අฉൟൿ౪, ನ ൟำವัಃಛಜ ಇದඝ౬ 2025ರ ಕකბಟಕ ಅඌඛಯಮ ಒ:15
ಎಂ්ർಜ ಕකბಟಕ ฃಜಪತದ เ๕ಷ ಃಯย (ූಗ IV) ಪಕഔಸಃಂൿ
ಆඃ๏ಸมಜං,-
2025ರ ಕකბಟಕ ಅඌඛಯಮ ಒ:15
(2025 ರ ೖბ ൟಂಗಳ 25ඡ ൽකಂಕඈൿ ಕකბಟಕ ฃಜಪತದ เ๕ಷ ಃಯย
෮ದฤ ಪಕಟ฿ಜං)
ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ)
ಅඌඛಯಮ, 2025
(2025 ರ ೖბ ൟಂಗಳ 24ඡ ൽකಂಕඈൿ ฃಜ ඩಲคಂದ ಒඪ౭ಡಯඝ౬ ಪഷಯมಜං)
ಕකბಟಕ ฃಜದย ౽ಯბඛವბൟ౨ฆವ ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿
ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ (organizations) ಅಥ฿ ศ฿ඃเർರඝ
ඛೕഴವ ൿค ಬല ದರಗಳ ಅඝತ ൧ಂದฉ ಮൡ౨ ಬಲ๋ತದ ವมൟ
เඋನಗัಂದ ಆ൮ბಕ฿ಜ ൿಬბಲ ಞಂඬಗำ ಮൡ౨ ವ౾౨ಗำ, เ๕ಷ฿ಜ ซತฆ,
ಮึಯฆ ಮൡ౨ ಮะ ಸ౷ಸಯ ಞಂඬಗಳඝ౬ ರ౾౹ಸฤ ಮൡ౨ ෨ಕ౨ತัಸฤ
ಟ ಅದಃౙ ීಧಪಟౣ ಅಥ฿ ಅದಃౙ ඩಜಕ฿ದ เಷಯಗัಛಜ ಒಂൿ
ಅඌඛಯಮ.
1. ౾౹ಪ౨ ກಸฆ, ඩฏಭ ಮൡ౨ ಅನ౷ಯ.- (1) ಈ ಅඌඛಯಮವඝ౬ ಕකბಟಕ
౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ) ಅඌඛಯಮ, 2025
ಎಂൿ ಕฉಯತಕౙൿ౪.
¨sÁUÀ – 4ಎ
Part – IVA
25
2025
04
1947)
BENGALURU, TUESDAY, 25, MARCH, 2025 (CHAITHRA , 04, SHAKAVARSHA, 1947)
. 188
No. 188
2
(2) ಇൿ 2025ರ ಬವค 12ඡ ൽකಂಕൽಂದ ೦คಡ ීൽฆโർಜ ූเಸತಕౙൿ౪.
(3) ಈ ಅඌඛಯಮದยฆโർโ, ಆฑಐ ෩ಲಕ ඛತಣಆౙಳಪഴವ
౽ඞඝ ಬದ౪, ඣೕಂർತ ಮൡ౨ ඛൟತ ඛ౽ಯಗะದ ಂಀಗำ(ಸಣ౧
ಹಣ౽ ಂಀಗำ, ಸ౩ัೕಯ ಪඃಶದ ಂಀಗำ, ඩඃ๏ಕ ಛ෦ೕಣ ಂಀಗำ
ಮൡ౨ ಂಀಗಳ ವವರ ಪൟඛඌಗಳඝ౬ ಒಳತಂഴ), ಕකბಟಕ ಸಹ౽ರ ಘಗಳ
ಅඌඛಯಮ, 1959 (1959ರ ಕකბಟಕ ಅඌඛಯಮ 11)ರല ඣೕಂർತ ಎม ಸಹ౽ค
ಂಀಗำ ಮൡ౨ ಎม ಸಹ౽ರ ಘಗำ ಟ ಕකბಟಕ ದბ ಸಹ౽ค
ಅඌඛಯಮ, 1997 (2000ರ ಕකბಟಕ ಅඌඛಯಮ 17)ರല ඣೕಂർತ ಎม ದბ
ഔಗำ ಮൡ౨ ಆฑಐ ඣಂൽಡ ඣೕಂർತ ಎม ಂ಄ತರ ಹಣ౽
ಉಪඛಗำ ಮൡ౨ ಠಹ ಹಣ౽ ඛಗಮಗัಡ ಅನ౷ಯ฿ಗತಕౙದ౪ಲ.
(4) ಈ ಅඌඛಯಮದ ಉಪීಧಗำ ತ൞ౙಲದย ೦คಯยฆವ ಅ౨ತ౷ದยನ
෴โඃ ౽ඞඛඣಂൽಡ ෨ಂൿವฉಯತಕౙൿ ಮൡ౨ ಅඋฌೕ෴ಜರತಕౙದ౪ಲ.
2. ಪคූಗำ.- (1) ಈ ಅඌඛಯಮದย ದಭბโ ಅನ൭ ಅಗತಪലದ
ຄರൡ,-
(ಎ) “ಲಛರ” ಎಂದฉ ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ
ಅಥ฿ ౩ಗำ ಅಥ฿ ศ฿ඃเർರคಂದ ಕ ಅಥ฿ ยತ ಕฃคನല
ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ, ෴โඃ ಉං౪ೕಶ౽ౙಜ ಲದ งಪದย
ಹಣವඝ౬ ಪഷವ, ಆ ಹಣವඝ౬ ಃಲโ ౽มವඌಳಡ ಮฆඩವൟಸತಕౙ ವ౾౨
ಅಥ฿ ಸ౷ಸಯ ಞಂඬ (SHG) ಅಥ฿ ೲഔ ຄൕಛคಃ ಞಂඬ (JLG) ಅಥ฿ ವ౾౨ಗಳ
ಞಂඬ;
() “ಬಲ๋ತದ ಕಮ” ಎಂದฉ 8ඡ ಪಕರಣದย เವคಸมದ ಬಲ๋ತದ ಕಮ;
() “ಬല” ಎಂ්ൿ ಈ ಅඌඛಯಮದ ಉಪීಧಗಳല ಪคූದ ඛීಧචಗಳ
ಉං౪ೕಶಗัಛಜ ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿
౩ಗำ
ಅಥ฿
ศ฿ඃเർರคಂದ
ನಗൿ
ಅಥ฿
ದූბඝರ฿ಜ
ವ౨งಪದย ಲಛರඛಡ ඛೕലದ ෮ತ౨ದ ෬ยನ มಭ ಟ ಅൿ ൽನಃౙ, ฿ರಃౙ,
ൟಂಗัಡ ಅಥ฿ ವಷბದ ಆඋರದย เඌಸมದ ಬലಯඝ౬ ಒಳತำโൿ;
(ല) “ಲ” ಎಂದฉ ಲಛರඛಡ ಬലಯ ෬ฉಡ ಖತ฿ಜ ಅಥ฿ ಅನ൭
ඛೕಡมದ ಹಣದ งಪದยನ ಅಥ฿ ೕಜ, ತಬ౯ರ, ಇ൞ൽಗತಹ ವ౨งಪದยನ
౾ฆ ಲ, ಸಣ౧ ಲ ಮൡ౨ ෨ಂಗಡ ಅಥ฿ ಅಲ;
(ಇ) “ศ฿ඃเർರ” ಎಂ්ൿ ෭ಆೕ වකඨ౺ ౩(MFI) ಅಥ฿ ಲ ඛೕലಃ
ಏ೬ඛ౺ ಅಥ฿ ౩ಗಳඝ౬ ಒಳತำโൿ ಟ ൽನಃౙ, ฿ರಃౙ, ൟಂಗัಡ ಅಥ฿
ವಷბದ ಆඋರದย ಬലಯඝ౬ เඌವ ෩ಲಕ มಭವඝ౬ ಗัಸฤ ನಗൿ ಅಥ฿
ವ౨งಪದย ಲ ඛೕഴವ ಅಥ฿ ෴โඃ ಸ౷งಪದ ಹಣ౽ චರโ ඛೕഴโದඝ౬
ಪඋನ ಅಥ฿ ඩಜಕ ಚഖವഔಃ෴ಜಆಂಡ ෴โඃ ඩฤർರ ಫ෨ბ
ಅಥ฿ ವ౾౨ ಅಥ฿ ವ౾౨ಗಳ ಞಂඬ ಅಥ฿ ല೧ಟฯ ಲඛೕലಃ ඩഡමෳბ;
3
(ಎෆ) “ඣೕಂದ ඩඌ౽ค” ಎಂದฉ ීಧಪಟౣ ೧วಯ ೧มඌ౽ค:
ಪฏൡ ฃಜ ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಅಂಥ ಇತರ ತൡ౨ಪലದ ಅඌ౽คಯඝ౬
ඣೕಂದ ඩඌ౽ค ಎಂൿ ඡ෦ಸಬൿ;
(೧) “ಸಜದ ൿಬბಲ ವಗბ” ಎಂದฉ ซತฆ, ಮึಯฆ, ಮะ ಸ౷ಸಯ
ಞಂඬಗำ, ಂ ౽෦ბಕฆ, ౽෦ბಕฆ, ೕൽ ฿ඩคಗำ, ಒಂൿ ಸ౩ಳൽಂದ ಮ൧౨ಂൿ
ಸ౩ಳಃౙ ಚยವ ಇತರ ฿ඩคಗำ, ยನ ഹคಯย ಃಲಸ ഴವ ౽෦ბಕฆ,
ඛბಣ
౽෦ბಕฆ,
ವಲ
౽෦ბಕฆ,
ಅವರ
෩ಲ
ๅಗัಡ
ಀಜฆವ
ಪๆ๎ವ౽ಶದ ಮൡ౨ ෨ಖ฿ಜ ಆฌೕಗ, ವಸൟ ජಮბಲ ಇ൞ൽಗಳ ಅಂತඛბತ
ඛ൏ბಯಕಗಳ (underlying determinants) ౽ರಣൽಂർಜ ಇತರคಡ ຄೕยದย
ಅನඝಁಲฆವ ಜನರ ಞಂඬ ಮൡ౨ ಆ൮ბಕ฿ಜ ಂൿัದ, ඛಯತ ಆർಯದ
෩ಲเಲං ೧ೕವඣೕඩಯದ ದคಗಳย ಃಳಮಟౣದยฆವವฆ.
(2) ಈ ಅඌๆಶನದย ಬಳฆವ ಆದฉ ಪคූಸൽฆವ ಪದಗำ, ීಧಪಟౣ
ಅඌඛಯಮಗำ ಮൡ౨ ಅದರല ರದ ඛಯಮಗಳย ಅඝಕಮ฿ಜ ಅโಗัಡ ඛೕಡมದ ಅๆ
ಅಥბಗಳඝ౬ ຄಂൽರತಕౙൿ౪.
3. ෭ಆೕ වකඨ౺ ౩ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರರ ඣೕಂದ.- (1) ಈ ಅඌඛಯಮದ ඩฏಭದ ൽකಂಕඈൿ ಕකბಟಕ
ฃಜದย ౽ಯბඛವბൟ౨ฆವ ಎม ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺
ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඌඛಯಮದ ඩฏಭದ ൽකಂಕൽಂದ ෩ವൡ౨
ൽನಗูಳಛಜ, ಅโಗำ ౽ಯბඛವბൟ౨ฆವ ಅಥ฿ ౽ಯბඛವბಸฤ ಉං౪ೕ๏ฆವ
ಛಮಗำ ಅಥ฿ ಪಟౣಣಗำ, เඌฆವ ಅಥ฿ เඌಸฤ ಉං౪ೕ๏ฆವ ಬലಯ ದರ, ಕ౨
೦ಗงಕ ඛವბಹ൏ ವವ౩ ಮൡ౨ ವมൟಯඝ౬ ೦คತัವ ವವ౩ ಟ ಲ ඛೕലಃ
ಅಥ฿ ඛೕಡมದ ಹಣದ ವมൟ ಚഖವഔಃಯඝ౬ ඛವბಸฤ ಅඌಂತತัಸมದ ವ౾౨ಗಳ
ಪഔౣ ಟ ಲಛರನ ກಸฆ ಮൡ౨ เะಸ, ಲಛರඛಡ ඛೕಡมದ ಒഖౣ ಅಸฤ ෮ತ౨,
ಲಛರඛಂದ ಈಛಗศ ವฤ ಡมದ ෮ತ౨, ಲಛರඛಂದ ಇඞ౬ ವฤ
ಡ౽ದ ౾ ෮ತ౨ ಟ ಈ ಅඌඛಯಮದ ಉಪීಧಗัಡ ಅඝರ฿ಜ ෴฿ಗล
౽ಯბವಸತಕౙංಂಬ ยತ ෨ಚัಃಯඝ౬ ಅದರย ඛൽბಷౣಪല ೧วಯ ඣೕಂದ
ඩඌ౽คಯ ෨ಂං ඣೕಂದಛಜ ಅ೧ბಯඝ౬ ಸยಸತಕౙൿ౪.
(2) ಈ ಅඌඛಯಮದ ඩฏಭದ ತฆ฿ಯ ಸ౷ಸಯ ಞಂඬಗัಡ ಲ ඛೕലಃ
ವವರವඝ౬ ඛವბൟ౨ฆವ ಅಥ฿ ಅದඝ౬ ඩฏಸฤ ಉං౪ೕ๏ฆವ ෭ಆೕ වකඨ౺
౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ, ඣೕಂದ
ඩඌ౽คಂದ ಈ ಅඌඛಯಮದല ඣೕಂದ ಪഷಯං ෴โඃ ಲಗಳඝ౬ ೪ฆ
ಡತಕౙದ౪ಲ ಅಥ฿ ෴โඃ ಲವඝ౬ ವฤ ಡತಕౙದ౪ಲ.
(3) ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ ಅಥ฿
ศ฿ඃเർರฆ ಒದಜಸมದ เವರಗಳඝ౬ ඣೕಂದ ඩඌ౽ค ಪค๏ೕยಸತಕౙൿ౪ ಮൡ౨
෭ಆೕ වකඨ౺ ౩ಗಳ ౽෴ბಚರൕಛಜ ඛൽბಷౣಪലಸಬർඈಥ เඋನದย ಒಂൿ
ವಷბದ ಅವඌಛಜ ඣೕಂದಯඝ౬ ඛೕಡತಕౙൿ౪.
(4) ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರฆ ඣೕಂದಯ ನเೕಕರಣ౽ౙಜ ಅ೧ბ ಸยർಗ, (3)ඡ ಉಪಪಕರಣದย
ಉวೕಸมದ ಒಂൿ ವಷბದ ಅವඌಯ ෨౽౨ಯತำವ ෮ದฤ, ಅರವൡ౨ ൽನಗูಳಛಜ
4
෭ಆೕ වකඨ౺ ౩ಗำ ಆ ಉං౪ೕಶ౽ౙಜ ಅ೧ბಯඝ౬ ർಖยಸತಕౙൿ౪ ಟ ඣೕಂದ
ඩඌ౽ค, ෭ಆೕ වකඨ౺ ౩ಗಳ ಃ౹ೕತ ಮಟౣದ ౽ಯბౘಮಯ ಕ౨ ಪค๏ೕಲචಯ
ತฆ฿ಯ
ಮൡ౨
ඣೕಂದ
เಸ౨ರൕಯ
ಀคൡ
ವბಜඛಕคಂದ
෴โ฿ದง
ಆಃ౹ೕಪൕಗัದ౪ย, ಅವඝ౬ ಆยದ ತฆ฿ಯ ඣೕಂದ ෨౽౨ಯದ ൽකಂಕಃౙ ෮ದฤ ಕඛಷౣ
ಹൽජൿ ൽನಗಳย ನเೕಕರಣ ೪ฆ ഴโඃ ಅಥ฿ ನเೕಕರಣ ඛฃಕคโඃ
ಎಂ්ದඝ౬ ൟೕბඛಸತಕౙൿ౪.
(5)
ಪൟ
ඣೕಂದ
ඩඌ౽ค
ತನ౬
ಅඌ౽ರ฿ඪ౨ಯലಯยನ
ಪඃಶ౽ౙಜ
ඛൽბಷౣಪലมඈ, ಂඎ฿ದ ඣೕಂದ ຄಂൽฆವ ಎม ෭ಆೕ වකඨ౺ ౩ಗำ
ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗಳ ಅಥ฿ ศ฿ඃเർರರ ค೧ಸౣฑಗಳඝ౬
ඛವბಸತಕౙൿ౪.
4. ඣೕಂದಯඝ౬ ರൿ౪ತัವ ಅಥ฿ ಅನൡ౨ತัವ ಅඌ౽ರ.- (1)
ඣೕಂದ ඩඌ౽ค ෴โඃ ಸಮಯದย ಸ౷൫ ಅಥ฿ ಲಛರඛಂದ ฆ ౷ೕಕคದ
෬ว ಅಂಥ ರದ౪ൟಛಜ ยತದย ಕౣ ౽ರಣಗಳඝ౬ ඛೕലದ ತฆ฿ಯ ಮൡ౨ ಅದඝ౬
ಆยದ ತฆ฿ಯ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿
౩ಗಳ ಅಥ฿ ศ฿ඃเർರರ ඣೕಂದಯඝ౬ ರൿ౪ತัಸಬൿ ಅಥ฿ ರൿ౪ಪലಸฤ
๏මರ౺ ಡಬൿ ಟ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ
ಅಥ฿ ౩ಗಳඝ౬ ಅಥ฿ ศ฿ඃเർರರඝ౬ ෴ವ ಅಂಶಗಳ ෬ว ෬ส౬ೕಟಃౙ
ರൿ౪ತัವ ൟೕბನ ಅತಳมಜංಂൿ ൟัವ ඣೕഔೕ ඛೕലದ ຄರൡ ಮൡ౨
෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ ಅಥ฿
ศ฿ඃเർರคಡ ಅಂಥ ඣೕഔೕನ เฆದ౫ ಅಹ฿ಲඝ౬ ຂัಆำವ ಕ౨ ಅವ౽ಶವඝ౬
ඛೕലದ ຄರൡ ඣೕಂದ ರದ౪ൟಯ ಆඃಶವඝ౬ ຄರലಸತಕౙದ౪ಲ.
เವರൕ: ಉಪಪಪಕರಣ (1)ರ ಉං౪ೕಶಗัಛಜ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ
ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඌඛಯಮದ ෴โඃ
ಉಪීಧಗಳ ಉಲಂಘචಯ ಅಪฃಧ౽ౙಜನ ಅಪฃಧ ඛಣბಯโ ಅದರ ඣೕಂದಯඝ౬
ಅನൡ౨ತัಸฤ ಅಥ฿ ರൿ౪ತัಸฤ ಕౣ ౽ರಣโಳർ౪ಜರತಕౙൿ౪.
(2) ඣೕಂದ ඩඌ౽ค (1)ඡ ಉಪಪಕರಣದല เೈರൕಯඝ౬ ౾ค,
ർಖยಸ౽ದ ಕౣ ౽ರಣಗัಛಜ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ
ಏ೬ඛ౺ಗำ
ಅಥ฿
౩ಗಳ
ಅಥ฿
ศ฿ඃเർರರ
ඣೕಂದಯඝ౬
ಅನൡ౨ಪലಸಬൿ.
5. ಲ ඛೕലಃ ನඈಡಗำ.- ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಲඛೕലಃ
ನඈಡಗำ, ಗಹൕ ಮൡ౨ ವมൟ ಪದ౪ൟಗಳඝ౬ ඛൽბಷౣಪലಸಬൿ.
6.
෭ಆೕ
වකඨ౺
౩ಗำ
ಅಥ฿
ಲ
ඛೕലಃ
ಏ೬ඛ౺ಗำ
ಅಥ฿
౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಭದಯඝ౬ ಆೕฆ๋ൟಲ.- ෴โඃ ෭ಆೕ
වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩โ ಅಥ฿ ศ฿ඃเർರฆ
ಲ౽ౙಜ ಜರเ, ಒ౨ ಅಥ฿ ෴โඃ ಇತರ งಪದ ಭದಯඝ౬ ಲಛರඛಂದ ಭದ෴ಜ
ಆೕರತಕౙದ౪ಲ:
ಪฏൡ ಈ ಅඌඛಯಮದ ඩฏಭದ ൽකಂಕಃౙ ෮ದฤ ಲಛರඛಂದ ಪഷಯมದ
෴โඃ ಅಂಥ ಭದ, ಲಛರನ ಪರ฿ಜ ತౘಣๆ ഴಗഷತಳർ౪ಜರತಕౙൿ౪.
เವರൕ: ಈ ಅඌඛಯಮದ ಉං౪ೕಶಗัಛಜ, “ಭದ” ಎಂದฉ, ಆඋರലฆโದರ ෴โඃ
ಸ౷งಪ.
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7. ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ
ಅಥ฿ ศ฿ඃเർರฆ เඌದ ಬലಯ ದರಗಳยನ ඩರದಶბಕ.- (1) ಲವඝ౬
วಕഖౣವย ಄ವಲ කฤౙ ಘಟಕಗำ ಇರತಕౙൿ౪, ಎಂದฉ, ಬല เඌವ ๑ಲౙ, ಸౙರ൏ ๑ಲౙ,
เ ඪೕ෦ ಮൡ౨ เತ ඩವൟ ඈಡ๑ಲౙ.
(2) ඛൽბಷౣಪലದ ಒಂൿ ದค (standard) ಲದ ಕฃฆ ಇರತಕౙൿ౪.
(3) ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ
ಅಥ฿ ศ฿ඃเർರฆ ಲಛರඛಡ,-
(i) เඌಸมದ ಪค൏ಮ౽ค ಬലಯ ದರ;
(ii) ಲಃౙ ಲಗ൞౨ಜฆವ ಎม ಇತರ ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗำ;
(iii) ಲಛರನඝ౬ ಞฆൟವ ಕౣ ൟ;
(iv) ෭ಆೕ වකඨ౺ ౩ಯ ෩ಲಕ ౷ೕಕคದ ಉൡಗำ ಮൡ౨ ಅಂൟಮ
ൟೕคಃಯඣ౬ಳತಂಡ ಎม ಮฆඩವൟಗಳ ಂಬರಹಗำ; ಮൡ౨
(v) ಲದ ౽ലბನยฆವ ಎม ನ෩ൿಗำ ಕನ౬ಡದยರತಕౙංಂൿ,
- ൧ೕคವ ಲದ ౽ಡბඝ౬ ಒದಜಸತಕౙൿ౪.
(4) ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ
ಅಥ฿ ศ฿ඃเർರฆ เඌಸมದ ಪค൏ಮ౽ค ಬലದರವඝ౬ ತಮ ಎม ಕคಗಳยನ
ಎൿ౪౽ವ ಸ౩ಳದย ಮൡ౨ ಅโಗำ ຄರലದ ಪತಗಳย ಮൡ౨ ಅโಗಳ ೦ಲ൞ಣದย
ಪದ๏ბಸತಕౙൿ౪.
(5) ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ
ಅಥ฿ ศ฿ඃเർರคಂದ ಲಛರඝ ಪഷದ ಎม ಲಗಳඞ౬ ಅโಗಳยನ เඋನඈ
ಕฃฆ ലಆಳತಕౙൿ౪, ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ
ಅಥ฿ ౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಲಗಳඝ౬ ೪ฆ ഴವ ಮൡ౨ เತರൕ
ഴವ ಪ౾ಯย ಈ ෨ಂൽನโಗಳඝ౬ ඩยಸತಕౙൿ౪,-
(i) ಲಛರತಂൽಜನ ಎม ಪತವವರಗำ ಕನ౬ಡದยರತಕౙൿ౪;
(ii) ಇತರ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿
౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ඛೕലದ ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ ಅಥბතಣბ
ຄೕยಃಯඝ౬ ഴ๋ ಮൡ౨ ಲಛರඝ ಕ౨ ඛඋბರ ಅತำ๋ ಲಛರನ
൞ಸ౾౨ಡ
ಪค൏ಮೕರಬർದ
ಅಗತ
ൟಗಳඝ౬
ಲದ
ಅ೧ბ
ನ෩චಗำ
ಒಳತಂലರತಕౙൿ౪. ಲದ ಅ೧ბ ನ෩චಯย ಅ೧ბ ನ෩චಂൽಡ ಸยಸ౽ದ ಅವಶಕ
ದ౨ๆ೩ಗಳඝ౬ ಸತಕౙൿ౪;
(6) ಪൟಂൿ ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩
ಅಥ฿ ศ฿ඃเർರඝ ನಗൿ ඬಸ౨ಕ, ಌ൞ ඬಸ౨ಕ ಮൡ౨ ඛൽბಷౣಪലಸಬർದ ಅಂಥ ಇತರ
วಕౙದ ඬಸ౨ಕಗಳඝ౬ ಇคಸತಕౙൿ౪ ಮൡ౨ ඛವბಸತಕౙൿ౪.
(7) ಪൟಂൿ ෭ಆೕ වකඨ౺ ౩ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿
౩ಗำ ಅಥ฿ ศ฿ඃเർರඝ ಲವඝ౬ ඛೕലದ ಒಂൿ ൽನದ ෮ದฤ, ಲಛರඛಡ
෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ದ ಅಥ฿
ศ฿ඃเർರನ ౽ಯბඛ฿ბಹಕರ ກಸฆ ಮൡ౨ เะಸ, ಲದ ෮ತ౨ ಮൡ౨ ൽකಂಕ ಟ
ಅದರ ฿ං, ಮൡ౨ เඌಸมದ ಪค൏ಮ౽ค ಬല ದರ, ಈ ಅಂಶಗಳඝ౬ ඛಚಳ ಮൡ౨
ಸ౭ಷౣ฿ಜ ൧ೕคವ ඛൽბಷౣಪലಸมದ ನ෩චಯยನ เವರಪഔౣಯඝ౬ ತฤඪಸತಕౙൿ౪
ಅಥ฿ ತฤඪ๋ ಡತಕౙൿ౪.
(8) ಪൟ ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರඝ ಸ౩ัೕಯ ಪඃಶದย ඣೕಂർತ ಕคಯඝ౬ ຄಂൽರತಕౙൿ౪.
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(9) ෴โඃ ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩
ಅಥ฿ ศ฿ඃเർರඝ ಆತඛಡ/ಆಃಡ ಅದರ ಅඌಂತ ಪൟඛඌ ಕ౨฿ಜ ಸലದ
ඩವൟಯ ರೕൽಯඝ౬ ඛೕലದ ຄರൡ ෴โඃ ಲದ ౽ರಣ౽ౙಜ ಲಛರඛಂದ ෴โඃ
ඩವൟಯඝ౬ ౷ೕಕคಸತಕౙದ౪ಲ.
(10) ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರඝ
ಲಛರನ
ยತ
ലಃಯ
෬ฉಡ,
ಅಥ฿
ಲಛರඝ
ಡ
ಅಗತಪലದย, ലಃಯย ಈ ಀคൡ ඛൽბಷౣಪലದ ෴ช ವ౾౨ಡ, ಆತඝ/ಆಃ ಪഷದ
ಲ ීඌ ෴โඃ ದ౨ๆ೧ನ ಪൟಯඝ౬ ಒದಜಸತಕౙൿ౪:
ಪฏൡ
ಈ
ಅඌඛಯಮದ
ඩฏಭಃౙ
෮ದฤ
ඛೕലದ
ಲಗಳ
ದಭბದย,
ಲಛರඛಂದ
෴โඃ
ಭದಯඝ౬
౷ೕಕคಸมಜದ౪ย,
ศ฿ඃเർರඝ
ಅದඝ౬
ඛൽბಷౣಪലโൿ ಕറಯ฿ಜರತಕౙൿ౪.
(11) ಪൟಂൿ ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩
ಅಥ฿ ศ฿ඃเർರඝ ෨ಂಬฆವ ೖಕ ಮൡ౨ ದූბඝರ฿ಜ ಹಣ౽ ವಷბದ
10ඡ ൽකಂಕಃౙ ෮ದฤ ඣೕಂದ ඩඌ౽คಡ, ಲಛರರ ಪഔౣ, ಪൟಬ౯คಡ ඛೕಡมದ ಲ
ಮൡ౨ ಡมದ ಮฆඩವൟಯ ෬ว เඌದ ಬലದರವඝ౬ ൧ೕฆವ ೖಕ ൫ಒ౨ ಮൡ౨
฿ბಕ ൫ಒ౨ಯඝ౬ ಸยಸತಕౙൿ౪.
(12) ೖಕ ൫ಒ౨ ಮൡ౨ ฿ბಕ ൫ಒ౨ಯඝ౬ ಸยಸฤ เಫಲ฿ದ ෭ಆೕ වකඨ౺
౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ, ಆฆ ൟಂಗำಗಳ
౽ರ฿ಸඅಂൽಡ ಅಥ฿ ಹൡ౨ เರ งඩಗัಡ เಸ౨คಸಬർದ ೩มචಂൽಡ
ಅಥ฿ ಅๅರಡคಂದล ඈലತ฿ಗತಕౙൿ౪.
8. ಬಲ๋ತದ ಕಮಗัಛಜ ෭ಆೕ ಹಣ౽ ౩ಗಳ (MFI) เฆದ౫ ඈಡච.-
෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರඝ, ಲಛರคಂದ ಹಣ ವมൟಛಜ ಸ౷൫ ಅಥ฿ ಅದರ ಏ೬ಂಟರ
෩ಲಕ฿ಗย ෴โඃ ಇತರ ಬಲ๋ತದ ಕಮವඝ౬ ಬಳಸತಕౙದ౪ಲ ಮൡ౨ ಬಲ๋ತ
ವมൟಯ
෴โඃ
ಸ౷งಪ౽ౙಜ
ಈ
ಅඌඛಯಮದ
ಉಪීಧಗಳല
ඈಡචಡ
ຄൕ෴ಗತಕౙൿ౪ ಟ ಈ ಅඌඛಯಮದ ෬ฉಡ ಉಪීඌಸมඈ ಅಂಥ ෭ಆೕ වකඨ౺
౩
(MFI)
ಅಥ฿
ಲ
ඛೕലಃ
ಏ೬ඛ౺
ಅಥ฿
౩
ಅಥ฿
ศ฿ඃเർರನ
ඣೕಂದಯඝ౬
ಅನൡ౨ಪലಸฤ
ಅಥ฿
ರൿ౪ಪലಸฤ
ඣೕಂದ
ඩඌ౽ค
ಅඌ౽ರโಳವකಜರತಕౙൿ౪.
เವರൕ: ಈ ಪಕರಣದ ಉං౪ೕಶಗัಛಜ, ෭ಆೕ වකඨ౺ ౩ಯ (MFI) ಅಥ฿ ಲ ඛೕലಃ
ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ෩ಲಕ ಲಛರರ เฆದ౫ದ “ಬಲ๋ತದ
ಕಮ”โ ಈ ෨ಂൽನโಗಳඝ౬ ಒಳತำโൿ, ಎಂದฉ:-
(i) ಲಛರರඝ౬ ಅಥ฿ ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸคಡ ಒತ౨ಡವඝ౬ ಀโൿ ಅಥ฿
ತഷഴโൿ
ಅಥ฿
ಂಯඝ౬
ಬಳโൿ
ಅಥ฿
ಅವඛโൿ
ಅಥ฿
ದคโൿ, ಅಥ฿
(ii) ಲಛರನඝ౬, ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸರඝ౬ ಸ౩ಳൽಂದ ಸ౩ಳಃౙ ඛฏತರ฿ಜ
ಂยโൿ ಅಥ฿ ಆತನ/ಆಃಯ ಒഷತನದ ಅಥ฿ ಬಳಃಯยನ ෴โඃ ಸ౷ൟ౨ಡ
ಮಧಪๆ๏โൿ ಅಥ฿ ಆತನ/ಆಃಂದ ౾ൡ౨ಆำโൿ ಅಥ฿ ෴โඃ ಅಂಥ ಸ౷ൟ౨ನ
ಬಳಃಡ ಅലಪലโൿ, ಅಥ฿
(iii) ಅಂಥ ಇತರ ವ౾౨ ಕ౨฿ಜ ൧ಡಜฆವ ಅಥ฿ ฿ಸ฿ಜฆವ ಅಥ฿ ಃಲಸ
ഴൟ౨ฆವ ಅಥ฿ ವವರ ನഷൟ౨ฆವ ಮච ಅಥ฿ ಇತರ ಸ౩ಳಃౙ ಬಲ๋ತದ ಕಮವඝ౬
ಅತำವ ಉං౪ೕಶൽಂದ ಆಛಗ ෝഔ ඛೕഴโൿ ಅಥ฿ ෝഔ෴ಞ๋ ഴโൿ, ಅಥ฿
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(iv) ಲಛರඛಡ ಹಣ ඩವൟಛಜ ಬಲ๋ತದ ಮൡ౨ ಅඝತ ಪූವವඝ౬ ಬಳ
ൡಕಡ/ಒ൞౨โದಃౙ ಌಸಜ ಅಥ฿ ຄರಞൟ౨ಡ ಅಥ฿ ಹ ಏ೬ඛ౺ಗಳ, ౾෦ನฯ
ನ౬วಳವರ ๅಯඝ౬ ಬಳโൿ, ಅಥ฿
(v) ಸ౽ბರದ ෴โඃ ౽ಯბಕಮದലಯย ಲಛರඛಡ ಪೕಜನದ ಹಀౙಗำಳ
෴โඃ ದ౨ๆಜඝ౬ ಲಛರඛಂದ ಬಲ๋ತ฿ಜ ಪഷโൿ.
9. ർಖวಗำ ಅಥ฿ ದ౨ๆ೩ಗಳඝ౬ ಜฆಪലಸฤ ಅಗತಪലವ
ಅඌ౽ರ ಟ ಪๆಶ, ತඩಸൕ ಮൡ౨ ವಶಪലಆำವ ಅඌ౽ರ.- (1) ඣೕಂದ
ඩඌ౽ค ಅಥ฿ ಆತඝ/ಆಃ ಈ ಀคൡ ಅඌಂತತัದ ෴ช ಅඌ౽ค, ಈ
ಅඌඛಯಮದ ಉಪීಧಗัಡ ಅඝರ฿ಜ ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ
ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ವವರ ನഷൟ౨ฆವฉ
ಎಂ්ದඝ౬ ಪค๏ೕยโൿ, ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺
ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ಕೞคಯ ಆವರಣಃౙ ಪๆ๏โൿ ಅಥ฿
ಆತನ/ಆಃಯ
ಅඩಯದย
෴ช
ವ౾౨
ಲ
ಆഴವ
ವವರದย
൧ಡಜಆಂലದ౪ฉ ಮൡ౨ ಅಂಥ ವವರಃౙ ීඌದ ෴โඃ ർಖว ಅಥ฿
ದ౨ๆಜඝ౬ ಆತඛಡ/ಆಃಡ ಜฆಪലಸฤ โൿ ಟ ಪൟಂൿ ಅಂಥ
෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿
ศ฿ඃเർರඝ ಅಂಥ ತඩಸൕಡ ಅඝಮൟಸತಕౙൿ౪ ಮൡ౨ ಅಂಥ ತඩಸൕಯย ಅಂಥ
ർಖว ಅಥ฿ ದ౨ๆಜඝ౬ ಅಗತเฆ฿ಗวม ಜฆಪലಸತಕౙൿ౪.
(2) ඣೕಂದ ඩඌ౽ค, (1)ඡ ಉಪಪಕರಣದ ಉං౪ೕಶಗัಛಜ ಆವರಣಗಳඝ౬
๗ೕඌಸಬൿ ಮൡ౨ ಅಗತเರಬർದ ෴โඃ ർಖว ಅಥ฿ ದ౨ๆಜඝ౬
ವಶಪലಆಳಬൿ ಟ ಪค๏ೕಲච, ඩಁಶඨ ಅಥ฿ ಇತฉ ౽ඞඝ ಕಮಗಳ
ಉං౪ೕಶಗัಛಜ ಅಗತเರಬർඈಥ ಅವඌಡ ತๆ ವಶಪലಆಂಡ ർಖวಗำ
ಅಥ฿ ದ౨ๆ೩ಗಳඝ౬ ಇഖౣಆಳತಕౙൿ౪.
(3) ඣೕಂದ ඩඌ౽ค ಅಥ฿ (1)ඡ ಉಪಪಕರಣದย ಉวೕฆವ ಇತರ
ಅඌ౽ค, ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩
ಅಥ฿ ศ฿ඃเർರඝ ීඌತ ൟಯඝ౬ ಒದಜವ ಮಟౣದยฆವචಂൿ
ಆತඝ/ಆಃ ಅඩಯಪಟౣ ෴ช ವ౾౨ಯඝ౬ ಸಮඝ ഴವ ಮൡ౨ ಪค๏ೕยವ
ಅඌ౽ರವඝ౬ ಸಹ ຄಂൽರತಕౙൿ౪.
10. ฆಗำ.- ෭ಆೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺
ಅಥ฿
౩
ಅಥ฿
ศ฿ඃเർರඛಂದ
ಈ
ಅඌඛಯಮದ
ಉಪීಧಗಳ
ಉಲಂಘචಯ ಀคൡ ීಧಪಟౣ/ ಅඌ౽ರ ฿ඪ౨ಯ ยೕ ഢൕಯย ಮൡ౨
ීಧಪಟౣ ยೕ ಅඌ౽คಯ ෨ಂං ರඝ౬ ർಖยโൿ. ෴ช ยೕಸฆ
ಪಕರಣವඝ౬ ർಖยಆಳฤ ඛฃಕคಸತಕౙದ౪ಲ:
ಪฏൡ ยೕ ಉಪ ಅඌೕౘಕರ (Deputy Superintendent of Police) ದ೬ბಡ
ಕല෫ಯಲದ
ยೕ
ಅඌ౽ค
ಸ౷൫
ಪಕರಣವඝ౬
ർಖยಆಳฤ
ಅඌ౽ರโಳವකಜರತಕౙൿ౪.
8
11. ಒಂ්ി౺ಪಸბඨನ ඡಮಕ.- เ฿ದಗಳඝ౬ ಇತಥბಪലโದ౽ౙಜ,
ಲಛರ
ಮൡ౨
ศ฿ඃเർರನ
ನഴๅ
ಮಧಸ౩ಛರකಜ
౽ಯბඛವბಸฤ
ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಒಂ්ി౺ಪಸბඨನඝ౬ ඡಮಕ ಡಬൿ.
12. ಀಂൿಆರಗಳ ඛ฿ರ൏ ๆൽಃ.- ಸ౽ბರโ ಕ౨฿ದ ಀಂൿಆರ
ඛ฿ರ൏
౽ಯბವವ౩ಯඝ౬
౩ඪಸತಕౙൿ౪.
ಀಂൿಆರ
ඛ฿ರ൏
౽ಯბವವ౩ಯ
౽ಯბเඋನ
ಮൡ౨
ಗბಗำ
ඛಯ෦ಸಬർಂಥ
เඋನದยರತಕౙൿ౪.
13. ಅඌඛಯಮದ 8ඡ ಪಕರಣದ ಉಲಂಘචಛಜ ඈಡච.- ಈ ಅඌඛಯಮದ
8ඡ ಪಕರಣವඝ౬ ಉಲಂಫವ ෴ช ವ౾౨, เೈರൕಡ ಒಳಪಡತಕౙൿ౪ ಮൡ౨
ಪಥಮ ದ೬ბ කಕ ೧ౣიೕಟರ ෩ಲಕ ಹൡ౨ ವಷბಗัಡ เಸ౨คಸಬർದ
ಅವඌಯ ౽ฃ฿ಸඅಂൽಡ ಟ ಐൿ ಲౘ งඩಗಳವฉಡ เಸ౨คಸಬർದ
೩มචಂൽಡ ඈലತකಗತಕౙൿ౪. ಈ ಅඌඛಯಮದലಯยನ ಅಪฃಧಗำ
೬ౢೕಯ฿ಜರತಕౙൿ౪ ಮൡ౨ ೦෦ೕඝರತ฿ಜರತಕౙൿ౪.
14. ಪൟಬ౯ ಅඌ౽ค สೕಕඥಕರකಜฆโൿ.- ಈ ಅඌඛಯಮದ
ಉಪීಧಗಳല ౽ಯბඛವბವ ಪൟಬ౯ ಸ౽ბค ಅඌ౽ค ಮൡ౨ ಪൟಬ౯
ವ౾౨ಯඝ౬ ූರൟೕಯ කಯ , 2023ರ 2ඡ ಪಕರಣದ (28)ඡ ಉಪಪಕರಣದ
ಅಥბ฿ඪ౨ಳಡ สೕಕඥಕರචಂൿ ූเಸತಕౙൿ౪.
15. ษඝ౺ರತ ಮൡ౨ ඣೕಂർತವಲದ ෭ಆೕ වකඨ౺ ౩ಗำ
ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ ಅಥ฿ ศ฿ඃเർರರ
෩ಲಕ ಬಲ๋ತದ ಕಮൽಂದ ಲಛರඛಡ ಪคರ (relief).- ತ൞ౙಲದย
೦คಯยฆವ ෴โඃ ౽ඞඛನย ಅಥ฿ ෴โඃ ಅಂಥ ౽ඞඛನ ෩ಲಕ
೦คಯยฆವ ಕฃคನย ಅಥ฿ ยತಪತದย ಏඡ ಒಳತಂലದ౪ง ಮൡ౨ ಈ
ಅඌඛಯಮದย ಅನ൭ ಸ౭ಷౣ฿ಜ ಉಪීඌൿದඝ౬ัൿ, ಈ ಪಕರಣದ ඩฏಭದ
ൽකಂಕൽಂದ ೦คಡ ಬฆ๋,-
(ಎ)
ಈ
ಪಕರಣದ
ඩฏಭಃౙ
෮ದฤ
ඣೕಂർತವಲದ
ಮൡ౨
ษඝ౺ರತ฿ದ ෭ಆೕ වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿
౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಬಲ๋ತದ ಕಮ ಬಳದฉ, ಲಛರඝ ෭ಆೕ
වකඨ౺ ౩ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ ಅಥ฿
ศ฿ඃเർರคಡ ඩವൟಸ౽ದ, ෴โർದง ಬലಯ ෮ತ౨เದ౪ย ಅದඞ౬
ಒಳತಂഽ “ಸಜದ ൿಬბಲ ವಗბದವคಛಜ” ෨ಂಗಡ ඛೕലದ ಪൟಂൿ
ಲವඝ౬ තಣბ฿ಜ ൟೕคಃ෴ಜංಂൿ ූเಸತಕౙൿ౪;
() ෴โർದง ಬലದ౪ย ಅದඞ౬ ಒಳತಂഽ ಅಂಥ ಲದ ෴โඃ
෮ತ౨ದ ವมൟಛಜ ಲಛರನ เฆದ౫ ෴โඃ ർๅ ಅಥ฿ ವವಹರൕಯඝ౬
෴โඃ ක෴ಲಯโ ඬರಸౙคಸತಕౙದ౪ಲ:
ಪฏൡ ಲಛರ ಮൡ౨ ෴ช ಇತರ ವ౾౨ಯ เฆದ౫ ೲഔ෴ಜ ർๅ ಅಥ฿
ವವಹರൕಯඝ౬ ಡมಜದ౪ฉ, ಈ ಪಕರಣದย ಇฆโർโ ಅಂಥ ಇತರ ವ౾౨ಡ
9
ಅൿ
ීඌฆವಷౣರ
ಮഔౣಡ
ർๅ
ಅಥ฿
ವವಹರൕಯ
ඬರಸౙರൕ
(maintainability) ಅನ౷ಯ฿ಗತಕౙൿ౪:
()
෴โඃ
ಲದ
ವมൟಛಜ
෴ช
ಲಛರನ
เฆದ౫
ಸದค
ൽකಂಕඈൿ ౾ฆವ ಎม ർๅಗำ ಮൡ౨ ವವಹರൕಗำ (ಅඪೕฤಗำ,
ඬನคೕౘൕಗำ,
ಜඹ౨ಗำ
ಅಥ฿
ಅಮมౠค
ವವಹರൕಗಳඝ౬
ಒಳತಂഴ)
ಆචತಳತಕౙൿ౪.
16. ൧ಂದฉಗಳඝ౬ ඛ฿คವ ಅඌ౽ರ.- ಈ ಅඌඛಯಮದ ಉಪීಧಗಳඝ౬
౽ಯბงಪಃౙ ತฆವย ෴โඃ ൧ಂದฉ ಉದเದย, ฃಜ ಸ౽ბರโ ಸ౽ბค
ฃಜಪತದย ಪಕഔದ ಆඃಶದ ෩ಲಕ, ൧ಂದฉಗಳඝ౬ ඛ฿คವ ಉං౪ೕಶಗัಛಜ
ತನಡ ಅವಶಕ ಅಥ฿ ಕ౨ๅಂൿ ಉഴಬฆವ, ಈ ಅඌඛಯಮದ ಉಪීಧಗัಡ
ಅಗತ฿ಜರඈಥ ಉಪීಧಗಳඝ౬ ರಸಬൿ:
ಪฏൡ, ಈ ಅඌඛಯಮโ ඩฏಭ฿ದ ൽකಂಕൽಂದ ಎರഴ ವಷბಗಳ
ಅವඌ ෨౽౨ಯತಂಡ ತฆ฿ಯ ಈ ಪಕರಣದല ಅಂಥ ෴โඃ ಆඃಶವඝ౬
ಡತಕ౪ದ౪ಲ.
17.
ඛඃბಶನಗಳඝ౬
ඛೕഴವ
ಅඌ౽ರ.-
ಸ౽ბರโ
౽ಲ౽ಲಃౙ
ಈ
ಅඌඛಯಮದ ಕ౨ ಅඝನ౽ౙಜ, ಅඌ౽คಗำ, ෭ಆೕ වකඨ౺ ౩ಗำ (MFI)
ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ౩ಗำ, ಲಛರฆ, ศ฿ඃเർರคಡ ಈ
ಅඌඛಯಮದ
ಮൡ౨
ಅದರലಯย
ಡมದ
ඛಯಮಗಳ
ಉಪීಧಗัಡ
ಅಗತ฿ಜರದ ಅಂಥ ಆඃಶಗำ, ಚචಗำ ಮൡ౨ ඛඃბಶನಗಳඝ౬ ค೧ಸౣฑಗำ,
ನ෩චಗำ,
ಆඨษඨ
ಪ౾ಗำ,
ೕಟბฯಗำ,
ಸಯ
಄ಂದಗಳඝ౬
ඛൽბಷౣಪലವ ෩ಲಕ ຄರലಸಬൿ ಟ ಅඌඛಯಮವඝ౬ ೦คತัಸฤ
ඛೕ೧ತฃದ ಅಂಥ ಅඌ౽คಗำ ಮൡ౨ ಇತರ ಎม ವ౾౨ಗำ ಅಂಥ ಆඃಶಗಳඝ౬,
ಚචಗಳඝ౬ ಟ ඛඃბಶನಗಳඝ౬ ඩยಸತಕౙൿ౪.
18. ඛಯಮಗಳ ರಚකඌ౽ರ.-(1) ฃಜ ಸ౽ბರโ, ಸ౽ბค ฃಜಪತದย
ಅඌಚචಯ
෩ಲಕ,
ಈ
ಅඌඛಯಮದ
ಉං౪ೕಶಗಳඝ౬
ಈസคโದ౽ౙಜ
ඛಯಮಗಳඝ౬ ರಸಬಹൿ.
(2) ಈ ಪಕರಣದ ෩ಲಕ ಪದತ౨฿ದ ඛಯಮಗಳඝ౬ ರವ ಅඌ౽ರโ තವბ
ಪಕಟൕಯ ತฆ฿ಯ ಡಬർದ ඛಯಮಗಳ ಷರൟ౨ಡ ಒಳಪഔౣರತಕౙൿ౪.
(3)
ಈ
ಅඌඛಯಮದ
ಅലಯย
ರದ
ಪൟಂൿ
ඛಯಮ
ಅಥ฿
ಅඌಚචಯඝ౬,
ಅದඝ౬
ರದ
ತฆ฿ಯ
ಧ฿ದౣ
ಗඡ
ฃಜ
เඋನಡಲದ ಪൟಂൿ ಸದನದ ෨ಂං, ಅൿ ಅඌๆಶನದยฆ฿ಗ ಒഖౣ
෩ವൡ౨ ൽನಗัಛಜ ಒಳತಂലರಬർದ ಒಂൿ ಅಥ฿ ಎರഴ ಅಥ฿ ກನ
ඛಕജೕತ౨ರ ಅඌๆಶನಗಳย ലಸತಕౙൿ౪ ಮൡ౨ ಅದඝ౬ ಡ ඛಕജೕತ౨ರ
ಅඌๆಶನಗำ
෨౽౨ಯ฿ಞವ
෮ದฤ,
เඋನಡಲದ
ಉಭಯಸದನಗำ
ඛಯಮದย ෴โඃ ඩბഖಡಃಂൿ ಒඪ౭ದฉ ಅಥ฿ ඛಯಮವඝ౬
ರಸರංಂൿ ൟೕბඛದฉ, ಆ ತฆ฿ಯ ಅಂಥ ඛಯಮโ ದූბඝರ ಡ
ඩბഓದ
คೕൟಯย
ತ
ಪค൏ಮ౽ค෴ಗತಕౙൿ౪
ಅಥ฿
ಪค൏ಮ౽ค෴ಗತಕౙದ౪ಲ. ಆർಟ, ಅಂಥ ඩბഖ ಅಥ฿ ರದ౪ൟ ಆ
10
ඛಯಮದ ಅಥ฿ ಅඌಚචಯ ಅലಯย ಈ ಂං ലದ ෴โඃ ౽ಯბದ
ಂඎತ౷ಃౙ ಧಕ฿ಗತಕౙದ౪ಲ.
19. ඛರಸನ ಮൡ౨ ಉัเಃಗำ.- (1) ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧
ಲ (ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ) ಅඋඃಶ, 2025 ඝ౬ (2025ರ ಕකბಟಕ ಅඋඃಶ
ಒ 2) ಈ ෩ಲಕ ඛರಸನತัಸมಜං.
(2) ಅಂಥ ඛರಸನದย ಏඡ ಒಳತಂലದ౪ง, ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨
ಸಣ౧ ಲ (ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ) ಅඋඃಶ, 2025ರ (2025ರ ಕකბಟಕ
ಅඋඃಶ ಒ 2) ಅലಯย ಡมದ ಅಥ฿ ಡมಜංಂൿ ූเದ ෴โඃ
౽ಯბ ಅಥ฿ ಅತಂಡ ಅಥ฿ ಅತಳมಜං ಎಂൿ ූเದ ෴โඃ ಕಮವඝ౬ ಈ
ಅඌඛಯಮದ ಅലಯย ಡมಜං ಎಂൿ ූเಸತಕౙൿ౪.
ಕකბಟಕ ฃಜඩಲರ ಆඃ๎ඝರ
ಮൡ౨ ಅವರ ກಸคನย,
೧. ๏ೕಧฑ
ಸ౽ბರದ ౽ಯბದ๏ბ,
ಸൽೕಯ ವವರಗำ ಮൡ౨
๎ಸನ ರಚච ಇมಒ.
PARLIAMENTARY AFFAIRS AND LEGISLATION SECRETARIAT
NOTIFICATION
NO.DPAL 03 SHASHANA 2025, BENGALURU, DATED: 25.03.2025
ූರತ เඋನದ ಅඝೕಧ 348ರ ಘಡ (3)ರ ಅലಯย ฃಜඩಲคಂದ
ಅඌಂತತัದ ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕಮಗಳ
ಪൟීಧಕ)
ಅඌඛಯಮ,
2025
(2025ರ
ಕකბಟಕ
ಅඌඛಯಮ
ಒ:15)
ರ
ූಂತರವඝ౬ ಅඌಂತ ಆಂಗ ಪಠๅಂൿ ಕකბಟಕ ฃಜಪತದ เ๕ಷ ಃಯย
(ූಗ IV) ಪಕഔಸಃಂൿ ಆඃ๏ಸมಜං,-
KARNATAKA ACT NO. 15 OF 2025
(First Published in the Karnataka Gazette Extra-ordinary on the 25th day of March, 2025)
THE KARNATAKA MICRO LOAN AND SMALL LOAN (PREVENTION OF
COERCIVE ACTIONS) ACT, 2025
(Received the assent of the Governor on the 24th day of March, 2025)
An Act to protect and relieve the economically vulnerable groups and
individuals, especially farmers, women and women’s self help groups from the
undue hardship of usurious interest rates and coercive means of recovery by Micro
11
Finance Institutions or Money Lending Agencies or Organizations operating in the
state of Karnataka and for matters connected therewith and incidental thereto.
1. Short title, commencement and application.- (1) This Act may be
called the Karnataka Micro Loan and Small Loan (Prevention of Coercive Actions)
Act, 2025.
(2) It shall deemed to have come into force with effect from 12th day
February, 2025.
(3) Nothing in this Act shall be applicable to legal, registered and regulated
bodies like Banks (including Small Finance Banks, Local Area Banks, Regional
Rural Banks and Business Correspondents of Banks)regulated by RBI, all Co-
operative Banks and all Co-operative Societies registered under the Karnataka Co-
operative Societies Act, 1959 (Karnataka Act 11 of 1959 ) and all Souharda
Societies registered under the Karnataka Souharda Sahakari Act,1997 (Karnataka
Act 17 of 2000) and all Non-Banking Financial Companies and Housing Finance
Corporations, registered with RBI.
(4) The provisions of this Act shall be in continuation of and not in derogation
of any existing law for the time being in force.
2. Definitions.- (1) In this Act, unless the context otherwise requires,-
(a) "Borrower" means an individual or a Self Help Group (SHG) or Joint
Liability Group (JLG) or group of individuals who avail money in the form
of a loan for any purpose from Micro Finance Institutions or Money
Lending Agencies or Organizations or Lender under an agreement either
orally or in writing with terms and conditions that the money shall be
repaid within a certain period of time.
(b) "Coercive Action" means the Coercive Action as explained in section 8.
(c) "Interest" for the purposes of the terms defined under the provisions of
this Act means a return on the amount lent by the Micro Finance
Institutions or Money Lending Agencies or Organizations or Lender in
cash or kind as the case may be, to a Borrower and includes interest
charged on daily, weekly, monthly or yearly basis;
(d) "Loan" means micro loan, small loan and an advance or hand loan
whether of money or in kind such as seed, fertilizer, etc, given to the
borrower at interest explicitly or otherwise.
(e) “Lender” includes Micro Finance Institutions (MFI) or Money Lending
Agencies or Organizations and any partnership firm or person or group
of persons or digital lending platform whose principal or incidental
activity is to lend money or offer financial support of whatsoever nature,
in cash or kind to earn profit by charging interest on daily, weekly,
monthly or yearly basis.
(f) "Registering Authority" means the Deputy Commissioner of the
concerned District:
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Provided that, the State Government may by notification appoint
such other designated officer as Registering Authority.
(g) "Vulnerable section of the society" means and includes farmers, women,
self help group of women, agricultural labours, workmen, footpath
vendors, other vendors who move from one place to other, worker working
in milk dairy, construction workers, migrant workers, those group of
people who are disadvantaged as compared to others mainly on account
of reduced access to their basic services and the underlying determinants
of health, housing sanitation etc. and the people who are economically
backward, low on livelihood patterns with no regular source of income.
(2) Words used but not defined in this Act, shall have the same meanings
respectively assigned to them in the relevant Acts and rules made thereunder.
3. Registration of Micro Finance Institute or Money Lending Agencies
or Organizations or Lender.- (1) All Micro Finance Institutions or Money Lending
Agencies or Organizations or Lender operating in the State of Karnataka as on the
date of the commencement of this Act, shall within thirty days from the date of
commencement of this Act, apply for registration before the Registering Authority
of the district specifying there in the villages or towns in which they have been
operating or propose to operate, the rate of interest being charged, system of
conducting due diligence and system of effecting recovery and list of persons
authorized for conducting the activity of lending or recovery of money which has
been lent and the name and address of the borrower, the total principal amount
lent to the borrower, the amount already recovered from the borrower, the balance
amount yet to be recovered from the borrower, and a written undertaking that it
shall always act in conformity with the provisions of this Act.
(2) No Micro Finance Institutions or Money Lending Agencies or
Organizations or Lender operating or intending to start the business of lending
money after the commencement of this Act shall grant any loans or recover any
loans without obtaining registration under this Act from the Registering Authority.
(3) The Registering Authority shall verify the details furnished by the Micro
Finance Institutions or Money Lending Agencies or Organizations or Lender and
accord registration in such manner as may be specified for operation of Micro
Finance Institutions or Money Lending Agencies or Organizations or Lender for a
period of one year.
(4) Where the Micro Finance Institutions or Money Lending Agencies or
Organizations or Lender applies for renewal of registration, an application for that
purpose shall be filed by the Micro Finance Institutions or Money Lending Agencies
or Organizations or Lender within sixty days before the expiry of the period of one
year referred to in sub-section (3) and the Registering Authority shall decide either
to grant renewal or refuse renewal of registration at least fifteen days before the
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date of expiry of registration, after due verification of the performance of the Micro
Finance Institutions or Money Lending Agencies or Organizations or Lender in the
field level and after hearing objections, if any, from the general public regarding
extension of registration.
(5) Every Registering Authority shall maintain registers as specified for the
area under its jurisdiction of all Micro Finance Institutions or Money Lending
Agencies or Organizations or Lender having valid registration.
4. Power to cancel or suspend Registration.- (1) The Registering Authority
may, at any time, either suo-motu or upon receipt of complaint by a borrower
cancel or recommend to cancel the registration of a Micro Finance Institution or
Money Lending Agencies or Organizations or Lender after hearing and after
assigning sufficient reasons in writing for such cancellation and no order of
cancellation of the registration shall be passed without issuing notice to the Micro
Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender
intimating the facts upon which the prima-facie decision to cancel the registration
has been taken and the Micro Finance Institution (MFI) or Money Lending Agencies
Organizations or Lender shall be afforded a reasonable opportunity of being heard
against such notice.
Explanation: For the purposes of sub-section (1), conviction of a Micro
Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender
for an offence of violation of any of the provisions of this Act shall be sufficient
cause for cancellation or recommend to cancellation of its registration.
(2) Pending enquiry under sub-section (1), the Registering Authority may, for
sufficient reasons to be recorded, suspend the registration, of a Micro Finance
Institution (MFI) or Money Lending Agencies or Organization or Lender.
5. Lending Norms.- The Government may, by notification, specify the
lending norms, collection and recovery practices.
6. Micro Finance Institutions or Money Lending Agencies or
Organizations or Lender not to seek security.- No Micro Finance Institution
(MFI) or Money Lending Agencies or Organizations or Lender shall seek any security
from a borrower by way of pawn, pledge or other security for the loan:
Provided that, any such security obtained from a borrower before the date of
commencement of this Act shall forthwith stand released in favor of the borrower.
Explanation: For the purpose of this Act “security” means, any form of
collateral.
7. Transparency in rates of interest charged by Micro Finance
Institutions or Money Lending Agencies or Organizations or Lender.- (1) There
shall be only four components in the pricing of the loan viz. the interest charge, the
processing charge, the insurance premium and delayed penal payment.
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(2) There shall be a standard loan agreement as specified.
(3) Micro Finance Institutions or Money Lending Agencies or Organizations
or Lender shall provide the borrower a loan card reflecting.-
(i)
the effective rate of interest charged;
(ii)
all other terms and conditions attached to the loan;
(iii) information which adequately identifies the borrower; and
(iv) acknowledgements by the Micro Finance Institution (MFI) of all
repayments including installments received and the final
discharge;
(v)
all entries in the Loan Card shall be in Kannada.
(4) The effective rate of interest charged by Micro Finance Institution (MFI) or
Money Lending Agencies or Organizations or Lender shall be prominently displayed
in all its offices and in the literature issued by it and on the website.
(5) All borrowings by a borrower from Micro Finance Institutions (MFI) or the
Money Lending Agencies or Organization or Lender shall be entered in the manner,
wherein the process of sanction and disbursement of loans shall comply that,-
(i) all communications to the borrower shall be in the kannada;
(ii) Loan application forms shall include necessary information which may
affect the interest of the borrower, so that a meaningful comparison with
the terms and conditions offered by other Micro Finance Institutions
(MFI) or Money Lending Agencies or Organization or Lender can be made
and a proper decision can be taken by the borrower. The loan application
form shall indicate the documents required to be submitted with the
application form.
(6) Every Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall keep and maintain a cash book, a ledger and such
other books of account as may be specified.
(7) Every Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall deliver or cause to be delivered, to the borrower within
one day before the date on which a loan is made, a statement in the specified form
showing in clear and distinct terms the amount and date of the loan and of its
maturity, the name and address of the functionary of the Micro Finance Institution
(MFI) or the Money Lending Agencies or Organization or Lender and the effective
rate of interest charged;
(8) Every Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall have a registered office in the local area.
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(9) No Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall receive any payment from a borrower on account of
any loan without giving him/her a duly signed receipt for the payment.
(10) A Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall, on a demand in writing by the borrower, supply a
copy of any document relating to a loan obtained by him/her, or if the borrower so
requires, to any person specified in that behalf in the demand:
Provided that, in respect of loans given prior to the commencement of this
Act, it shall be obligatory for the lender to specify if any security was accepted from
the borrower.
(11) Every Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender shall submit a quarterly Statement and annual statement
to the Registering Authority before 10th day of ensuing quarter and financial year
as the case may be, giving therein the list of borrowers, the loan given to each and
the interest rate charged on the repayment made.
(12) The Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender who fails to submit the quarterly Statement and annual
statement shall be punishable with imprisonment for period of six months or with
fine which may extend to Ten Thousand rupees or with both.
8. Penalty for coercive actions against Micro Finance Institutions
(MFI).- Micro Finance Institution (MFI) or Money Lending Agencies or Organization
or Lender shall not use any coercive action either by itself or by its agents for
recovery of money from the borrower and any form of coercive recovery shall be
liable for punishment under the provisions of this Act and empower the Registering
Authority to suspend or cancel the Registration of such Micro Finance Institution
(MFI) or Money Lending Agencies or Organization or Lender as provided under the
provisions of this Act.
Explanation: For the purposes of this section, "coercive Action" by a Micro
Finance Institution (MFI) or Money Lending Agencies or Organization or Lender
against the borrowers include the following, namely:-
(i)
exerting pressure or obstructing or using violence to or insulting or
intimidating the borrower or his/her family members, or
(ii)
persistently following the borrower, his/her family member from place
to place or interfering with any property owned or used by him/her or
depriving him/her of, or hindering him/her in the use of any such
property, or
(iii) frequenting the house or other place where the borrower resides or
works, or carries on business, or happens to be, with an intension of
taking coercive action, or
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(iv) using the service of private or outsource or external agencies, criminal
background to negotiate/urging the borrower to make payment using
coercive and undue influence, or
(v)
Seeking to take forcibly any document from the borrower which entitles
the borrower to a benefit under any Government programme.
9. Power to require production of records or documents and power of
entry, inspection and seizure.- (1) The Registering Authority or any officer
authorized by him/her in this behalf may, to verify whether the business of the
Micro Finance Institution (MFI) or Money Lending Agencies or Organization or
Lender is being carried on in accordance with the provisions of this Act, enter the
premises of the Micro Finance Institution (MFI) or Money Lending Agencies or
Organization or Lender office or of any person who in his/her opinion is carrying
on the business of lending and call upon him/her to produce any record or
document relating to such business and every such Micro Finance Institution (MFI)
or Money Lending Agencies or Organization or Lender shall allow such inspection
and produce such record or document during such inspection and as and
when required.
(2) The Registering Authority may, for the purposes of sub-section (1) search
the premises and seize any record and document as may be necessary and the
record or document seized shall be retained only for such period as may be
necessary for the purposes of examination, prosecution or other legal action.
(3) The Registering Authority or the other officer referred to in sub-section
(1), shall also have power to summon and examine the Micro Finance Institution
(MFI) or Money Lending Agencies or Organization or Lender any person who in
his/her opinion is in a position to furnish relevant information.
10. Complaints.- A complaint can be filed regarding violation of the
provision of this Act by a Micro Finance Institution (MFI) or Money Lending
Agencies or Organization or Lender before the concerned/ jurisdictional police
station and the concerned police officer. No police officer shall refuse to register a
case:
Provided that, a Police officer not below the rank of Deputy Superintendent
of Police shall be empowered to file a suo-moto case.
11. Appointment of an Ombudsperson.- The Government may by
notification, appoint an Ombudsperson who can act as mediator between the
borrower or lender, for settling the disputes.
12. Grievances redressal forum.- The Government shall establish suitable
grievance mechanism. The procedure and guidelines for grievance mechanism
shall be in the manner as may be prescribed.
13. Penalty for contravention of section 8 of the Act.- Any person who
contravenes of section 8 of this Act, shall be tried and punishable by the Judicial
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Magistrate First Class, with imprisonment for a term which may extend to ten years
and with fine which may extend to rupees five lakh. The offences under this Act
are cognizable and non-bailable.
14. Every officer to be public servant.- Every officer of the Government
and every person acting under the provisions of this Act shall be deemed to be a
public servant within the meaning of sub-section (28) of section 2 of the Bharatiya
Nyaya Sanhita, 2023 (Central Act 45 of 2023).
15. Relief to borrower from coercive action by the unlicensed and
unregistered Micro finance institutions or Money Lending Agencies or
Organizations or Lender.- Notwithstanding anything in any law for the time being
in force or in any contract or instrument having force by virtue of any such law and
save as otherwise expressly provided in this Act, with effect from the date of
commencement of this section,-
(a) Every loan advanced before the commencement of this section including
the amount of interest, if any, payable by the borrower to Micro finance institutions
or Money Lending Agencies or Organizations or Lender shall be deemed to be wholly
discharged for "Vulnerable section of the society" if unregistered and unlicensed
Micro finance institutions or Money Lending Agencies or Organizations or Lender
resort to coercive action.
(b) No Civil Court shall entertain any suit or proceeding against the borrower
for the recovery of any amount of such loan including interest, if any:
Provided that, where a suit or proceeding is instituted jointly against the
borrower and any other person nothing in this section shall apply to the
maintainability of the suit or the proceeding in so far as it relates to such other
person.
(c) All suits and proceedings (including appeals, revisions, attachments or
execution proceedings) pending on the said date against any borrower for the
recovery of any such loan shall abate.
16. Power to remove difficulties.- If any difficulty arises in giving effect to
the provisions of this Act, the State Government may, by an order, published in the
Official Gazette, make such provisions not inconsistent with the provisions of this
Act which appear to it to be necessary or expedient for the purposes of removing
the difficulty:
Provided that, no such order shall be made under this section after the expiry
of the period of two years from the date of commencement of this Act.
17. Power to give directions.- The Government may, from time to time,
issue such orders, instructions and directions by specifying the Registers, Forms,
Online procedures, Portals, Help Centers not inconsistent with the provisions of
this Act and the rules made thereunder to the officers, Micro Finance Institutions
(MFI) or Money Lending Agencies or Organizations, borrower, lender for the
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purpose of proper implementation of the Act and such officers and all other persons
employed in the enforcement of the Act, shall comply with such orders, instructions
and directions.
18. Power to make rules.-(1) The State Government may, by notification in
the Official Gazette make rules to carry out the purposes of this Act.
(2) The power to make rules conferred by this section shall be subject to
the condition of the rules being made after previous publication.
(3) Every rule or notification made under this Act shall be laid as soon as
may be after it is made, before each House of the State Legislature while it is in
session, for a total period of thirty days which may be comprised in one session or
in two or more successive sessions and if before the expiry of the session
immediately following the session or the successive sessions aforesaid, both
Houses agree in making any modification in the rule or notification or both Houses
agree that the rule or notification should not be made, the rule or notification shall,
from the date on which the modification or annulment is notified have effect only
in such modified form or be of no effect as the case may be; so, however, that any
such modification or annulment shall be without, prejudice to the validity of
anything previously done under that rule or notification.
19. Repeal and savings.- (1) The Karnataka Micro Loan and Small Loan
(Prevention of Coercive Actions) Ordinance, 2025 (Karnataka Ordinance No. 02 of
2025) is hereby repealed.
(2) Notwithstanding such repeal, anything done or deemed to have been done or any
action taken or deemed to have been taken under The Karnataka Micro Loan and Small
Loan (Prevention of Coercive Actions) Ordinance, 2025 (Karnataka Ordinance No. 02 of
2025) shall be deemed to have been done under this Act.
The above translation of ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ
(ಬಲ๋ತದ ಕಮಗಳ ಪൟීಧಕ) ಅඌඛಯಮ, 2025 (2025 ರ ಕකბಟಕ ಅඌඛಯಮ
ಒ:15) be published in the official Gazette under clause (3) of Article 348 of the
constitution of India.
THAAWARCHAND GEHLOT
GOVERNOR OF KARANATAKA
By Order and in the name of
the Governor of Karnataka,
G. SRIDHAR
Secretary to Government
Department of Parliamentary
Affairs and Legislation
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R.N.I. No. KARBIL/2001/47147 POSTAL REGN. No. RNP/KA/BGS/2202/2017-19
Licensed to post without prepayment WPP No. 297
THAMMAIAH
Digitally signed by THAMMAIAH
DN: c=IN, st=Karnataka, 2.5.4.20=be54f34f4e31eae50203ca7fab5ceb3794f20a8460a2582ef28294d43b8f8b16, postalCode=560059, street=BANGALORE,
pseudonym=ca58c76cf7e2445d7a4f3f51407e025e, serialNumber=4d9b284dcc53d39f1425f50485de07dd86efa302a3fce3729eddea0c1b5098e0,
ou=GOVERNMENT OF KARNATAKA, o=GOVERNMENT OF KARNATAKA, cn=THAMMAIAH
Date: 2025.03.25 18:58:11 +05'30'